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Loan For 18k
I am thinking of getting a loan for 18k to consolidate and pay off all existing debts. I am thinking of stretching the repayments all over 7 years to reduce my monthly outgoings. Am I doing the right thing?
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Help on claiming PPI
Hi Hope this is in the right place? I wrote to Capital one asking them to refund PPI, they wrote back saying it wasnt mis-sold and sent me a copy of the paper work i signed. I had ticked the box for PPI ! but it also shows clearly the box was ticked for self-employed! They are refusing to refund? Should i now give up or…
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Car Finance (wanting To Give Car Back)
Hi Just wondered if anyone could give any advice my hubby has car finance on passport he has been paying the payments for aprox 20mths could he give the car back at all with no money owing on it, because he will be getting a company car so there for he will not need this car that is on finance, Your help would be…
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Any ex-workers from Finance Companies
I've been advised by First Response Finance that their staff do not receive any incentive's for selling policies. Are there are any members or ex-members of staff who could either verify or shoot it down. this may help people's claims, or future claims. Cheers :beer:
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when a loan has been sold to a third party
Several of my debts hav been sold to third party companies. I have written to these companies asking for a copy of the origonal credit / loan agreement to confirm they were not miss-sold etc as I was self employed for many years. They are not providing the paperwork requested. Can I insist that they provide it before I…
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Should I cancel my PPI while complaining to FOS?
Hi, I have been trying to get my PPI back from FirstPlus. They believe they have done everything correctly and pointed me in the direction of the FSO (which I have done). They have also offered me as a gesture of goodwill and not any admission of guilt, an additional rebate of £5200 on top of the £2700 they say I am…
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Welcome Finance (or Not So Welcome)
My partner has a "rip" off loan with Welcome Finance with an APR of nearly 40%. He took this out 4 years ago before we met. Having a look at his paperwork he should never off been sold the loan as basically he didn't have the income to support it. He got into financial problems after taking it out as he didn't have enough…
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Wlecome Finance Car Insurnace help please Thanks
Hi took car loan with Welcome and they sold me insurance of shortfall (they asked me to have it because of I don’t got any other income) and mechanical break down (Because they want take any guarantee for car if something goes with engine ) . They told me they I must get these to have the loan because they worried about I…
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Please Help!!
Not sure how to explain or sort this out. My father(not a nice person) got my grandfather to take out a 10,000 loan for him, after promising to make all repayments. once he got the money, he did a runner and left my nana and grandad with 157.50 monthly payments to make on pensions. My granda has recently passed away…
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Changing from Staff loan to normal loan
I recently handed in my notice after working with a well known bank for 4 years. My credit rating isn't the best, however, the bank in question agreed to give me a loan at staff rates, meaning I could consolidate all my debt. The rate on this loan was about 6.9% Now that I've handed in my notice, they have informed me that…
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Reclaiming PPI from First Plus
Hi Guys Looking for a bit of help I took out a £60k secured loan with First Plus in Feb 2006. They told me at the time that I had to take out PPI at a cost of £11958 which was then added to the loan up front. I was told that this was paid back over 5 years. At that time I asked that if I wanted to repay the loan would the…
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New Loan Legislation
We see in the press that there are new laws and changes to terms and conditions on loans/credit next year and these could mean people need to sell their homes, what are these changes etc and what difference will they make to current situations.
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funding corp/approved finance.. HELP!!!!
I bought a car from approved, financed by the funding corporation, 2 years ago, I was mis-sold PPI, do i claim from them or approved?
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Impersonating a police officer Credit resource solutions HELP!!
Hi can somebody please help me? My parents recieved a phone call the other night off someone claiming to be a police officer from Chiswick police station stating my car had been reported stolen and i would be arrested when it is seen on the road. The car which he was referring to was written off back in January and which i…
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where can i get a loan if i have bad credit?
Hey guys, i have a bad credit history from my students years and now that im in full time employment and get a good pay cheque in my account each month i want to get aload to consolidate my various other loans/credit cards. trouble is my history is so bad i cant get a loan or credit card from anyone they all keep knocking…
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what is the best way to utilize £8000 loan?
I borrowed £15K unsecured loan from my bank (NatWest) in March this year. I wanted to use it as deposit on the property. But unluckily I was ripped off by some dodgy mortgage broker. Now I left with 8K which I don’t want to spend anymore as I don’t have any requirements. My question is what is the best way to utilize…
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Need some urgnet advice
i got loan with LIoyd TSB and i am asking them for monthly lower repayments for £20.Because i can not afford to pay for sometime full £100 towards my loan but they not listing to it and there soliciter have sent me letter yestaerday so what should i do .Anyone can tell me what does LAW say about these monthly payments that…
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Credit search without consent, what can I do??
Just checked my report on credit expert and it seems Wellcome finance have done a search without my consent. Now I have not at any point been in contact with these, the only contact ive had with any loan firm was Yes loans who I didnt pay and told I did not want anything to do with and a company called Churchill finance…
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Mis-sold policy but halifax refusing to pay up
Im posting on behalf of my mom as she is full time carer for my brother she is basically a single house wife and my brother is at the age where he goes to school she has a Halifax credit card and recently went through the process of reclaiming a mis sold policy to do with unemployment. she has not been employed for the…
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borrow 1000-1500 pounds
Can anyone tell me the cheapest way to borrow 1000-1500 pounds thanks